I figured it all out, where all the bad code comes from, I know it now!
I think good developers need two things, an ego that makes them wanting to be competent and perceived as such and (very important) a problem with authority!

All the bad code is written by people who wanted to be liked by their teachers. The PM and PO are their teachers now and they make everything possible for them. Technical debt and human costs are swept aside when the authorities want a stupid feature now - because they have to like you and you need to be a nice pet to whip!